How To Get Life Insurance With COPD In 2023

Welcome to the complete guide to life insurance with COPD. In this article, you will gain knowledge of how to secure final expense insurance with COPD and emphysema.

Many senior adults with COPD or emphysema who have begun to experience a progressive decline in lung disease or capacity know that their health is not going to get better.

They also know they don’t want to be a financial burden on their loved ones, so they are looking for ways to create a legacy of protection instead.

COPD insurance coverage can help seniors plan for and protect themselves against the high cost of funerals costs and related costs.

Can You Get Life Insurance If You Have COPD

If you or a loved one have COPD, it would be best to call us to better help you.

COPD is on our qualified health impairment instant coverage list. This will make sure you receive the best burial insurance with COPD coverage available.

Yes, it will be same-day instant coverage, DAY 1!

Burial or final expense insurance companies are very well aware of how Chronic Obstructive Pulmonary Disease COPD, bronchitis, and Emphysema is a high-risk disease.

COPD has been the 3rd leading disease that causes death in the United States of America.

Sadly, unlike asthma, and depending on how severe the COPD is, it can drastically reduce the expected lifespan of a person dealing with this chronic disease.

With COPD having no cure and being the 3rd leading cause of death, you can understand why searching for burial or life insurance with COPD can be like finding a needle in a haystack.

Our good news for you …

We here at over decades have helped thousands of people secure the best insurance plans for any chronic disease and many of them were COPD.

We are a team of independent insurance agencies that has access to the top-rated A+ life insurance companies in the country. We can get back to you with a list of insurance plans with the best quality at affordable rates.

Especially for Burial Insurance COPD!

No matter how severe your COPD is, we here at can secure the best possible coverage plan at low costs.

Burial Insurance Companies And COPD

The bad news

Almost all of the final expense insurance companies out there are very rigorous with COPD.

There will be specific questions that will be asked and your answer to them come into play to determine how more of a risk you are with COPD.

There are only a few burials or final insurance companies out there that can offer affordable insurance plans for COPD.

The majority of the insurers will charge premiums up to 40% more to make up for the high risks of having COPD.

The rough reality of COPD is that it really shortens the life of the patient who has it. And with the recent statistics of people dying from COPD making it 3rd of the leading disease-causing death.

For these reasons, almost all insurance companies will require you to pay more to compensate for the high risk of COPD.

Sure it’s very difficult to get affordable insurance coverage with COPD but it’s not impossible.

The good news

Hold onto your hats folks!

In the 29 years of experience, there is actually 3 top-rated A+ insurance company that can offer someone who has COPD a final expense insurance plan at the lowest cost and with no waiting time period.

This means immediate insurance coverage starting on day 1— this is usually called a “simplified”, “preferred”, or “level” type of plan.

This is extremely rare, but of course, there are some pre existing conditions for your health and your lifestyle to be eligible for it.

If you want to know if you can qualify for a simplified plan, please call us, it will only take a little bit of your time- and it’s definitely worth it!

Now, if you did not qualify for a simple plan, do not worry.

There is still hope… always remember with us here at we will always have the most affordable coverage plan even if your COPD is severe.

These coverage plans will still come from the country’s top-rated A+ insurance companies that will only offer the best deals and additional innovative benefit features that will not cost you extra.

Oh, one more good thing is that burial or final expense insurance plans will never require medical exams.

COPD Life Insurance Underwriting

COPD will be definitely asked in the underwriting process.

Always keep in mind that every final expense insurance company will have its own way to ask if you have COPD and will have different rules and guidelines regarding the quality of life insurance policies to be offered.

Some insurers would just want to know if you have COPD or not, and some would want to know more details such as:

When you had it if you were prescribed medications for it, your tobacco use, your living conditions, etc.

Even if you are on home health care we will get you covered on day 1.

In the underwriting process, insurance companies will ask about the following:

  1. Questions about your COPD, and lifestyle and ask if you have other illnesses.
  2. Prescribed medication history

Health Questions In The Underwriting For COPD And Final Expense Insurance

Burial or final expense insurance will ask for COPD directly, simply because it is one of the leading chronic diseases that cause death in the country and it has no cure.

Most burial or final expense insurance companies only want to know if you have it or not. Other insurers will ask about the timing of your COPD diagnosis, tobacco use, lifestyle, work environment, etc.

Here are the common questions the insurance companies would ask.

  • When were you initially diagnosed or treated with COPD
  • Do you have COPD right now?
  • When did you receive advice for COPD treatment?
  • Do you need help in activities of daily life (ADL)?
  • When did you start treating your COPD?
  • When did you last smoked tobacco?
  • Are you prescribed to be on oxygen?
  • What is your working environment like?

Keep in mind, health questions will vary from one final expense insurer to another. Like above, some insurance companies will not bother to ask how severe your COPD is or what stage you’re in.

Some insurance companies will ask about what COPD stage you are in and this will heavily impact the quality of insurance plans to be offered by those companies.

Furthermore, with these insurers, if you are in the last stages of your COPD, they will flat-out reject your application. Especially if you have other conditions like depression or are on dialysis.

The Stages Of Chronic Obstructive Pulmonary Disease (COPD)

In your COPD diagnosis, you probably went through the test of Forced Expiratory Volume (FEV) which is the amount of air you can force from the lungs in one second and measured during a spirometry test or pulmonary test.

Here are the COPD Stages:

  • Stage 1, mild COPD, FEV1 is equal to or greater than 80%. This can be with or without symptoms, like excessive saliva, noticeable shortness of breath with exertion, and chronic cough.
  • Stage 2, moderate COPD, occurs when your FEV1 is between 50 to 79%. This can be with or without symptoms.
  • Stage 3, or severe COPD, happens when your FEV1 is between 30 to 49%. This can be with or without chronic symptoms.
  • Stage 4, or very severe COPD, happens when your FEV1 is less than 30%. Also known as end-stage COPD.

It’s important to realize the other health impairment that COPD can make worse and cause a domino effect.

First things first, if you have sleep apnea, it can cause your COPD to get worse due to the pauses of breathing.

With sleep apnea, you can raise the chances of high blood pressure, heart disease, and stroke. So it is important to have a COPD assessment test.

Prescribed Medication History Assessment

The insurance company will look at the drugs you have been taking to make sure that you have not lied about your health.

Insurers use automated data or computer programs to review your prescribed medication history.

If you ever fill out a prescription they will know about it and in the process, by knowing what medications you were prescribed- they will know what diseases you have or had.

To put it very simply… if you are prescribed medication for a disease, then you have that disease. This is the logic of insurance companies when reviewing an applicant’s medication history.

COPD Medications That Are Red-flagged By Insurance Companies

So again, insurance companies will determine if you have COPD when you are taking one or more combinations of these medications.

  • Aclidinium (Tudorza)
  • Anoror Ellipta
  • Arcapta
  • Arformoterol (Brovana)
  • Atrovent HFA
  • Brovana
  • Budesonide
  • Combivent
  • Daliresp
  • Duoneb
  • Fluticasone
  • Formoterol (Foradil, Perforomist)
  • glycopyrrolate (Seebri Neohaler)
  • Indacaterol (Arcapta)
  • Ipratropium Bromide (could be an allergy med)
  • Olodaterol (Striverdi Respimat)
  • Prednisone
  • Salmeterol (Serevent)
  • Spiriva
  • Tiotropium (Spiriva)
  • Umeclidinium (Incruse Ellipta)

Dual-purpose Medications For COPD That Are Red-flagged By Insurance Companies

Now, there are medications that can be used for more than one disease or health condition, a good example are bronchodilators for COPD and asthma.

Bronchodilators are the medications that COPD and asthma may share for treatment.

Here are some of the most common medications that COPD and asthma share that insurers will know of.

  • Budesonide/formoterol (Symbicort)
  • Fluticasone/salmeterol (Advair)
  • Fluticasone/vilanterol (Breo Ellipta)
  • Glycopyrrolate/formoterol (Bevespi Aerosphere)
  • Glycopyrrolate/indacaterol (Utibron Neohaler)
  • Roflumilast (Daliresp)
  • Tiotropium/olodaterol (Stiolto Respimat)
  • Umeclidinium/vilanterol (Anoro Ellipta)

To further explain Dual Medications And How Insurers May View It

To avoid confusion, basically, conclusions will depend on the doctor’s notes, when, how, and how much you’re taking these medications.

Again, these processes of prescribed medication history assessment will vary from one insurer to another, especially with drugs that are dual-purpose.

The bottom line here is that if you are well aware of your past and current medications and why you have been prescribed them then you will avoid all this confusion by yourself.

Nevertheless, it is best to call and get in touch with our highly experienced Final Expense Insurance Specialists to sort all these out and avoid confusion. We will gladly walk you through these.

Oxygen-Dependent COPD And Burial Insurance

If you are prescribed to be on Oxygen therapy (especially on a Venturi mask) by your doctor, this can mean that your COPD is getting severe and that you have low levels of oxygen in your blood.

The only possible option is a “Guaranteed Issue” (GI) plan.

If you will need Oxygen and you are set to secure a final expense insurance plan, we encourage you to secure this plan right away.

Other insurance companies will reject any COPD applicants that are prescribed to have oxygen.

This simply means, they do not have a guaranteed acceptance policy- therefore time wasted for you with the time you spent applying- only to be rejected.

Please keep in mind… If you ONLY use oxygen for SLEEP APNEA, you will qualify for level benefits. This will be for the only reason though. If you are using oxygen for COPD. You WILL NOT qualify for level. You will be faced with a graded policy.

Burial Insurance Companies Various Coverage Plans For COPD

After your underwriting process with the health questions and medication history assessment, insurance companies will get back to you with policy offers that they think will match your level of risk.

With all the notorious facts about COPD, it’s very important to keep your expectations in check.

COPD is a well-known high-risk chronic disease among insurance companies and it will be very difficult to get the lowest rate policy, but again, it is not impossible.

Please read on to know more about this rare chance.

It is very common for COPD patients to have other bad medical conditions that will negatively impact their risk level and the quality of plans they will be offered.

For that reason, here are the possible insurance plans that will be offered depending on how severe your COPD condition is.

1)  A life insurance policy with a higher monthly premium

The insurance plan will cost 15 to 40% higher than a simplified plan (the plan being offered to a person with the lowest risk).

This policy will have insurance coverage right away. That means if you die, your beneficiaries will get 100% of the death benefit starting on day 1 of your plan.

Given the nature of COPD, this is still a good plan, although the fee is a bit higher, the great thing about this plan is that the coverage will be instant starting day 1.

There are only quite a few insurance companies that offer this plan and we represent them.

2)  A policy with two-year waiting period

This will be for COPD applicants with a higher risk that insurance companies will impose a waiting time period.

The waiting period is at least 24 months. If you die before the loan is paid off, your beneficiaries will get the money you have already paid plus an extra 10%.

The upside to this plan is that when the time comes, your beneficiaries will still receive more money than what you have paid for.

Good to know: Also, another great thing about this is that it is much better than “Certificates of Deposit” (CD) or “Share Certificates” from banks. No CD or Share Certificate will give a 10% interest back.

3) A percentage will be paid immediately or more after some time

A percentage will be paid from your full death benefit if you pass away in the first 12 months, then a higher percentage within 13 to 24 months.

This is commonly called a “Graded plan” Usually, here’s the percentage of payout per time.

  • 30% on the first 12 months
  • 70% on the 13 to 24 months

Your beneficiaries will get the full death amount if you wait 24 months.

In the end, the decision will be ultimately yours and you can ask one of our independent Final Expense Insurance Specialists for advice if this option is the best possible for you.

Remember, we here at works for you! Not for the insurance company. You, the client, come first.

4) A combination of higher rates and a waiting time period

This is a common type of policy on a lot of insurance companies for applicants that they deem at the highest risk.

This will cost more each month, about 15% to 40%. And you have to wait at least 24 months before getting any benefits from the insurance company (if there are any benefits at all).

So, other companies may have a payout plan like a graded plan (percentage per year).

5)  Guaranteed Issue Plan (GI)

As the name suggests, you are guaranteed to be accepted given that you are legally capable of entering into a contract or have a legal guardian that is. There will be no questions asked or no medication history review to go through.

We can basically have you approved with a GI plan within 15 minutes via phone call!

Given the highest risk that the insurance companies will take, the monthly premiums will be higher and will strictly have a 24 monthly waiting time period.

If you die before the waiting time period ends, your family will get all of your payments back plus 10%.

This plan is the only option for the seriously ill and with your decision to be prepared when the time comes, to give your family peace of mind- having this option will always be a blessing.

Insider tip: A guaranteed issue plan would be sometimes much more rewarding or sensible than a modified plan. To check if this is the case, do that math or call and consult with us.

6)  Lowest rates and with immediate coverage (no waiting time period)

To say the least, this is exceedingly rare…

This will be the “Holy Grail” of insurance plans considering that you have a serious chronic disease that’s one of the top leading causes of death, you will be very blessed if you qualify for this plan- this is usually called “simplified”, “preferred”, or “level” type of plan. Let’s use the name simplified.

A simplified plan will have the lowest monthly premiums with immediate insurance coverage starting from day 1.

In order for a COPD applicant to secure a simplified plan, of course, there will be specific conditions that you must have to qualify.

Conditions are as follows:

  1. Your COPD diagnosis should be more than 12 months ago.
  2. You should have not used tobacco for more than a year.
  3. You should have no other serious diseases.
  4. You should lead a healthy lifestyle.

Now, there is only 1 burial or final expense insurance company that can accept you for a simplified insurance plan and we have access to them.

For sure, this will be what you would want, making our clients happy gives us joy and pleasure- and we will work hard with you to get this amazing plan for COPD.

If you think you can qualify for a simplified plan (and we sure hope so), please call us to help you sort all of these out.

How To Find The Best Burial Or Final Expense Insurance For Clients With COPD Emphysema

This article about final expense insurance for COPD has been very long, and believe us, we are trying our best to keep our articles comprehensive while being concise and really informative- we will update our articles as needed too!

Now, with COPD, time is at a premium. If you are everyone reading this article, it’s most likely that you have made your peace with your current health condition.

You should get a burial or final expense insurance policy so you will be prepared for when you die. This will help your loved ones not have to worry about it.

Now that you have found us, we are confident in helping someone like you with COPD get the best possible coverage plan from the country’s best insurance companies.

We have helped over 95% of our clients who came to us with COPD and we helped every one of them regardless of their condition.

We here at are formed by a team of highly experienced Final Expense Insurance Specialists that has a passion to find the best possible burial insurance policy no matter what their diseases are or health issues.

In fact, we have over 29 years of experience helping clients and are licensed in 50 states. We only represent top-rated A+ insurance companies that offer excellent final expense insurance plans at affordable rates.

What We Only Need From You Is A Little Bit Of Your Time To Know Your Details.

We have a masterful knowledge of the underwriting process and rates of the country’s best insurance companies, so with your details, we can absolutely tell you which company will offer the best possible plan for your COPD condition

Talk to us now! We promise you a simple no non-sense interview process with no pressure.


COPD is a debilitating disease that affects many people. Let us help you end your worries about what will happen to your family when the time comes to say goodbye.

As an insurance agency, we want nothing more than for our customers to live long and happy lives – but if not, they can rest assured knowing their loved ones are taken care of financially with one of our burial insurance policies.

We offer coverage in all 50 states without any medical exam or underwriting needed!

Apply online today to get a quote and find affordable burial insurance!